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Are title loans legal in Georgia?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Georgia, and lenders must follow O.C.G.A. §§ 44-12-130 to 44-12-138 (charges § 44-12-131).

Title loan rules in Georgia at a glance

Title loan rules in Georgia
Title-loan lawO.C.G.A. §§ 44-12-130 to 44-12-138 (charges § 44-12-131)
Rate cap25% of the principal per 30 days for the first 90 days (minimum $10), then 12.5% per 30 days (minimum $5) (O.C.G.A. § 44-12-131(a)(4)) — 300% APR at the 25% rate
Fees the law allowsNone beyond § 44-12-131(a)(4): the actual lien-registration fee, storage up to $5 a day after an actual repossession, and a repossession fee of $50 to $250 by distance (§ 44-12-131(a)(5))
Loan termUp to 30 days
Rollovers and renewalsUnlimited 30-day extensions by agreement (O.C.G.A. § 44-14-403(b)(2)); the rate falls to 12.5% per 30 days after 90 days
RepossessionAllowed after default
Time to catch up before repossession30 days
Owe the balance after the car is sold?No, the lender cannot collect a remaining balance
StatuteO.C.G.A. §§ 44-12-130 to 44-12-138 (charges § 44-12-131); § 44-14-403 (grace period, extensions, forfeiture)

Source: O.C.G.A. §§ 44-12-130 to 44-12-138 (charges § 44-12-131); § 44-14-403 (grace period, extensions, forfeiture) (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.

What a title loan costs in Georgia

Under Georgia's rate rules, borrowing $500 for 30 days costs $125 in interest or fees, so you repay $625 (300% APR). Your offer may differ.

Example title loan costs in Georgia
LoanTermInterest and feesTotal repaidAPR
$50030 days$125$625300%
$1,00030 days$250$1,250300%
$2,50030 days$625$3,125300%

Georgia allows no separate fee on top of the interest, beyond what its title-loan law lists. The lender's written disclosure shows the full cost and APR.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Georgia gives you 30 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in Georgia?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Georgia law.

Title loan questions for Georgia

01What is the most a title lender can charge in Georgia?
25% of the principal per 30 days for the first 90 days (minimum $10), then 12.5% per 30 days (minimum $5) (O.C.G.A. § 44-12-131(a)(4)) — 300% APR at the 25% rate. Your contract must show the APR before you sign.
02How long is a title loan in Georgia?
Up to 30 days, under Georgia law.
03Can I roll over a title loan in Georgia?
Unlimited 30-day extensions by agreement (O.C.G.A. § 44-14-403(b)(2)); the rate falls to 12.5% per 30 days after 90 days. Each renewal adds cost, so ask for the total you will repay.
04What happens if I can't repay a title loan in Georgia?
If you fall behind, the lender can repossess your car, but Georgia gives you 30 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
05Is Lenditup a title lender in Georgia?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Georgia law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for. Payday loans follow a different law: see payday loan rules in Georgia.